Originally Posted by physioprof

This is not what is going on. I pay both my Citi and Chase credit cards from the same Chase checking account, and have been doing so for years. When I pay my Citi card, the card balance goes to zero instantly, while the checking account balance doesn't decrease correspondingly for a day or two. In contrast, when I pay my Chase cards, the card balance doesn't go to zero for a day or two, while the checking account balance decreases instantly.